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Keep it Simple with No Annual Fee & a Low Intro APR on Balance Transfers

With the Citi Simplicity® credit card, take advantage of a low intro APR on credit card balance transfers and purchases. Plus, keep it simple with no late fees, no penalty rate and no annual fee – ever. Apply for the Citi Simplicity® credit card today and experience all the benefits it has to offer.

If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.

Balance Transfer Fee: Either $5 or 5% of the amount of each credit card balance transfer, whichever is greater.

Save time, just say "representative" when you call, to enjoy fast personal help.

No Annual Fee

Pricing Details
Citi Simplicity® Card

Keep it Simple with No Annual Fee & a Low Intro APR on Balance Transfers

With the Citi Simplicity® credit card, take advantage of a low intro APR on credit card balance transfers and purchases. Plus, keep it simple with no late fees, no penalty rate and no annual fee – ever. Apply for the Citi Simplicity® credit card today and experience all the benefits it has to offer.

If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.

Balance Transfer Fee: Either $ or % of the amount of each credit card balance transfer, whichever is greater.

Save time, just say "representative" when you call, to enjoy fast personal help.

No Annual Fee

24/7 Customer Service
Questions about your Citi® card account? Just call the number on the back of your credit card. Just say 'representative' to access fast, live help from a friendly Customer Service representative ready to help with virtually every aspect of your cardmembership (including technical assistance) ––24 hours a day, 365 days a year.

Automatic Account Alerts
Alerts keep you informed and stress-free. Once you've set up alerts, we'll remind you about your balance levels, payments due, or when you go over your credit limit, by email or directly on your mobile phone.

Choose your Payment Due Date
Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.

Digital Wallets
Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card. Learn how to get started and how digital wallets can help protect your card information at citi.com/digitalservices.

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Please note that the terms and benefits of this product may change over time.

Citi does not guarantee the accuracy of these reviews. Benefits, fees, terms, and offers mentioned in reviews may change over time.

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